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1st Bank Sidney - Broadus e-mail: 1stbank@our1stbank.com Phone: 406-433-3212 or 406-436-2611 |
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1st Bank Sidney - Broadus e-mail: 1stbank@our1stbank.com Phone: 406-433-3212 or 406-436-2611 |
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In order to apply
for Bill Payment, you must consent to receive the initial Electronic
Funds Transfer (EFT) disclosure electronically. Read this notice
carefully and retain a copy for your records. This notice is
being provided to you to inform you that you will receive the initial
EFT disclosure and Bill Payment Agreement electronically.
Security, Hardware and Software
Information Requirements are a
PC or Macintosh computer, Windows 98 or newer; access to the internet;
an Internet Service Provider selected by you; an internet browser that
supports 128 bit encryption – acceptable browsers include either
Internet 6.0 or greater or Netscape Navigator 7.2 or greater.
Withdrawing Your Consent You may withdraw
your consent to receive the initial EFT disclosure and Bill Payment
Agreement by exiting the Bill Payment application session anytime
prior to submitting the application.
Consent cannot be withdrawn once your bill payment application
has been submitted.
For Your Records In order to keep
copies for your records, you will need access to a printer or the
ability to download information.
By selecting the
“I Understand and Agree” button, you indicate your consent to receive
the initial EFT disclosure and Bill Payment Agreement electronically
and that you can access them in an electronic form.
__________________________________________________________________ This Bill Payment
Agreement (Agreement) sets forth the terms and conditions governing
the provision of Bill Payment service to you or anyone authorized by
you (collectively, you, your, or yours) and describes your and our
rights, responsibilities and obligations.
By using the Bill Pay service, you agree to the terms and
conditions of this Agreement, which are in addition to those that
apply to any accounts you have with 1st Bank.
Bill Payment Service Eligibility In order to
activate your Bill Payment service, you must have at least one
checking account with us. Access Bill Payment
service is generally accessible 24 hours a day, seven days a week,
except that it may be inaccessible for a reasonable period on a daily
basis for system maintenance.
We are not liable for failure to provide access due to system
failure or other unforeseen acts.
We may modify, suspend, or terminate access to the Bill Payment
service at any time and for any reason without notice or refund of
fees you’ve paid. Limitation of
Liability
Warranties of Fitness and
Merchantability Neither we, nor
any information providers make any warranty, express or implied, to
you concerning the software, equipment, browser or other service
including, but not limited to, any warranty or merchantability or
fitness for particular purpose or non-infringement of third-party
rights, unless disclaiming such warranty is prohibited by law.
Computer-related Warranties Neither we nor any
information provider is liable for ay computer virus or
software-related problems which may be attributable to the services
provided in connection with the Bill Payment service. To use the Bill
Payment service, you must complete the Bill Pay enrollment form
online. Upon receipt of
your enrollment, you will receive an e-mail from us of the enrollment
approval. You will then
have access to the Bill Payment service using the security codes you
chose during the enrollment.
The FAQ section will provide instructions for setting up new
merchant payees as well as answer many of your questions.
Allow 3 business days for new payees to be approved and
activated, though some payees may have been previously approved by the
Bill Payment service and are ready for immediate payment.
Most other changes, additions or deletions can be made by using
the Bill Payment service.
1st Bank reserves the right to refuse the designation of a
Merchant for any reason. You must designate
a checking account with us as your Bill Payment Account.
1st Bank is not liable for incorrect source account
selection by the customer. When you schedule
a bill payment using the Bill Payment service, you authorize us to
withdraw the necessary funds from you Bill Payment Account with us.
We may refuse to act on your instruction if sufficient funds
including funds available under any applicable overdraft plan, are not
available in your Bill Payment Account on the date of payment.
You are responsible for any non-sufficient funds (“NSF”) and
overdraft charges that may apply. When you complete
the Bill Payment enrollment form, you will be given an opportunity to
request a User ID and temporary PIN.
1st
Bank will make every effort to accommodate your request.
If your request conflicts with a User ID already in use, you
will be contacted by Subscriber Services and assigned a different User
ID. You are required to
change your PIN at your initial Log in to Bill Payment service.
Each time you access the service, you will be asked to enter
your User ID and PIN. You
are responsible for keeping your PIN and Account data confidential.
Any person having access
to your Bill Payment service PIN will be able to access the Bill
Payment service and perform all transactions, including setting up and
making payments to merchants.
GUARD YOUR PIN--- IT IS YOUR MONEY AND
YOUR LOSS! You are
responsible for keeping your PIN and account data confidential.
We are entitled to act on transaction instructions received
using your PIN, and you agree that the use of your PIN will have the
same effect as your signature authorizing the transaction.
If you authorized other persons to use your PIN in any manner,
your authorization will be considered unlimited in amount and manner
until you have notified us in writing that you have revoked the
authorization and changed your PIN, and you are responsible for any
transactions made by such persons until you notify us that transfers
by that person are no longer authorized and we have a reasonable
opportunity to act upon the change of your PIN.
1st
Bank will process variable payments on the business day (generally
Monday through Friday, except holidays) you designate the bill is to
be processed, provided the payment request is received prior to the
cut-off time set by 1st Bank, which is currently 2:00 p.m.
MST. Variable bill request
received after the business day cut-off time or at any time on a
non-business day will be processed on the next business day.
1st Bank reserves its right to change the cut-off
time by giving you notice if it changes.
FOR RECURRING PAYMENT REQUESTS,
IF YOU DESI Any Bill Payment
can be changed or canceled, provided you access the service prior to
the Please note that
if you do not schedule or process a payment in your 1st
Bank Bill Pay account for any six-month period, 1st Bank
reserves the right to disconnect your service.
Please note that your Bill Payment information will be lost if
you are disconnected. For multiple party
accounts, each person on a multiple party account will be liable for
all transactions made by any other signer(s) on the account.
Each owner on multiple party accounts is liable for the actions
of the other owner(s) on the account. If you have a
business account, you are liable for all transactions that occur on
the account. The owner of
the business account authorizes all transactions made by any other
person(s). The owner of
the business account is liable for any parties designated (by being
given a user ID and PIN) to conduct business on the account. The limitations of
liability set forth in this Agreement are subject to, and limited by
any state or federal law to the contrary.
Termination Your Bill Payment
service remains in effect until terminated by you or us.
You may cancel your Bill Payment service at any time by
notifying us of your intent to cancel in writing to 1st
Bank, Attn: Internet
Banking,
Governing Law This Agreement
shall be governed by and construed in accordance with the laws of
Scope of Agreement This Agreement
represents our complete agreement with you relating to our provision
of the Bill Payment service.
No other statement, oral or written, including language
contained in our website, unless otherwise noted, is part of this
Agreement.
Assignment and Delegation The Customer may
not assign this Agreement.
The Bank may assign this Agreement to any affiliate of the Bank.
The Bank may delegate its duties under this Agreement to third
parties.
Headings The headings of
the paragraphs of this Agreement are for convenience and reference and
shall not affect its construction or interpretation.
ELECTRONIC FUND TRANSFERS – YOUR RIGHTS
AND RESPONSIBILITIES Indicated below
are types of Electronic Fund Transfers we are capable of handling,
some of which may apply to your account.
Please read this disclosure carefully because it tells you your
rights and obligations for the transactions listed.
You should keep this notice for future reference. Electronic Fund Transfers Initiated by
Third Parties – You may
authorize a third party to initiate electronic fund transfers between
your account and the third party’s account.
These transfers to make or receive payment may be one-time
occurrences or may recur as directed by you.
These transfers may use the Automated Clearing house (ACH) or
other payments network.
Your authorization to the third party to make these transfers can
occur in a number of ways.
For example, your authorization to convert a check to an electronic
fund transfer or to electronically pay a returned check charge can
occur when a merchant provides you with notice and you go forward with
the transaction (typically, at the point of purchase, a merchant will
post a sign and print the notice on a receipt).
In all cases, these third party transfers will require you to
provide the third party with your account number and financial
institution information.
This information can be found on your check as well as on a deposit or
withdrawal slip. Thus, you
should only provide your financial institution and account information
(whether over the phone, the Internet, or via some other method) to
trusted third parties whom you have authorized to initiate these
electronic fund transfers.
Examples of these transfers include, but are not limited to:
ATM Card transactions –
types of transactions – You may access your account(s) by ATM at 1st
Bank’s drive-up in Sidney, Larry’s IGA or Cashway Café in Broadus or
any CIRRUS or PLUS NETWORK ATM’S worldwide using your ATM Card and
your account number and personal identification number (PIN) to:
Some of these
services may not be available at all terminals.
Debit Card ATM transactions –
types of transactions – You may
access your account(s) by ATM at 1st Bank’s drive-up in
Sidney, Larry’s IGA or Cashway Café in Broadus or any CIRRUS or
Some of these
services may not be available at all terminals. Debit Card point-of-sale transactions –
types of transactions – You
may access your checking account(s) by debit card to do transactions
that participating merchants will accept, including:
Visa debit/check
cards are welcome everywhere that accepts Visa debit cards. Currency Conversion –
When you use your VISA® debit card at a
merchant that settles in currency other than US dollars, the charge
will be converted into the US dollar amount.
The currency conversion rate used to determine the transaction
amount in US dollars is either a rate selected by VISA from the range
of rates available in wholesale currency markets for the applicable
central processing date, which rate may vary from the rate VISA itself
receives, or the government-mandated rate in effect for the applicable
central processing date, in each instance, plus or minus any
adjustment determined by the issuer.
The conversion rate in effect on the processing date may differ
from the rate in effect on the transaction date or posting date.
Visa
Advisory Against Illegal Use
– You agree not to use your card(s) for illegal gambling or other
illegal purposes. Display
of a payment card logo by, for example, an online merchant does not
necessarily mean that transactions are lawful in all jurisdictions in
which the cardholder may be located. On-Line Banking –
types of transfers – You may access
your accounts by computer at www.our1stbank.com and using your
personal identification number (PIN) and Customer ID to:
Bill Pay –
types of transfers –
You may access this
service by computer at www.our1stbank.com and using your user name and
password.
You may access this
service to:
Limits and fees –
Please refer to our fee disclosure for
information about fees and limitations that may apply to these fund
transfers. ATM Operator/Network Fees –
When you use an ATM not owned by us,
you may be charged a fee by the ATM operator or any network used (and
you may be charged a fee for a balance inquiry even if you do not
complete a fund transfer). Limitations on frequency of transfers –
In addition to those
limitations on transfers elsewhere described, if any, the following
limitations apply to your savings account(s): During any
calendar month or statement cycle of at least four weeks, you may not
make more than six withdrawals or transfers to another account of
yours or to a third party by means of a preauthorized or automatic
transfer or telephone order or instruction.
If you exceed the transfer limitations set forth above in any
statement period, your account will be subject to closure by the
financial institution.
Documentation Terminal transfers –
You can get a receipt at the time you
make a transfer to or from your account using an automated teller
machine or point-of-sale terminal.
However, you may not get a receipt if the amount of the
transfer is $15 or less. Preauthorized credits –
If you have arranged to have direct
deposits made to your account at least once every 60 days from the
same person or company, you can call us at (406) 433-3212 in Sidney or
(406) 436-2611 in Broadus
to find out whether or not the deposit has been made. Periodic statements –
You will get a monthly account
statement from us for your checking account(s). You will get a
monthly account statement from us for your savings account(s), unless
there are no transfers in a particular month.
In any case, you will get a statement at least quarterly.
Preauthorized Payments Right to stop payment and procedure for
doing so – If you have told
us in advance to make regular payments out of your account, you can
stop any of these payments.
Here is how: Call or write us
at the telephone number or address listed in this disclosure in time
for us to receive your request three business days or more before the
payment is scheduled to be made.
If you call, we may also require you to put your request in
writing and get it to us within 14 days after you call. Notice of varying amounts –
If these regular payments may vary in
amount, the person you are going to pay will tell you, 10 days before
each payment, when it will be made and how much it will be.
(You may choose instead to get this notice only when the
payment would differ by more than a certain amount from the previous
payment, or when the amount would fall outside certain limits that you
set. Liability for failure to stop payment of
preauthorized transfer – If
you order us to stop one of these payments three business days or more
before the transfer is scheduled, and we do not do so, we will be
liable for your losses or damages.
Financial Institution’s Liability Liability
for failure to make transfers –
If we do not complete a transfer to or
from your account on time or in the correct amount according to our
agreement with you, we will be liable for your losses or damages.
However, there are some exceptions.
We will not be liable, for instance:
(1) If, through no
fault of ours, you do not have enough money in your account to make
the transfer.
(2) If you have an
overdraft line and the transfer would go over the credit limit.
(3) If the
automated teller machine where you are making the transfer does not
have enough cash.
(4) If the terminal
or system was not working properly and you knew about the breakdown
when you
started the transfer.
(5) If
circumstances beyond our control (such as fire or flood) prevent the
transfer, despite reasonable
precautions that we have taken.
(6) There may be
other exceptions stated in our agreement with you.
Confidentiality We will disclose
information to third parties about your account or the transfers you
make:
(1) where it is
necessary for completing transfers; or
(2) in order to
verify the existence and condition of your account for a third party,
such as a credit bureau
or merchant;
or
(3) in order to
comply with government agency or court orders; or
(4) if you give us
written permission.
Unauthorized Transfers (a) Consumer liability.
(1) Generally.
Tell us AT ONCE if you believe your card and/or code has been
lost or stolen or if you believe that an electronic fund transfer has
been made without your permission using information from your check.
Telephoning is the best way of keeping your possible losses
down. You could lose all
the money in your account (plus your maximum overdraft line of
credit). If you tell us
within two business days after you learn of the loss or theft of your
card and/or code, you can lose no more than $50 if someone used your
card and/or code without your permission. If you do NOT tell
us within two business days after you learn of the loss or theft of
your card and/or code, and we can prove we could have stopped someone
from using your card and/or code without your permission if you had
told us, you could lose as much as $500. Also, if your
statement shows transfers that you did not make, including those made
by card, code or other means, tell us at once.
If you do not tell us within 60 days after the statement was
mailed to you, you may not get back any money you lost after the 60
days if we can prove that we could have stopped someone from taking
the money if you had told us in time. If a good reason
(such as a long trip or a hospital stay) kept you from telling us, we
will extend the time period. (2) Additional
Limit on Liability for VISA® card.
Unless you have been grossly negligent or have engaged in
fraud, you will not be liable for any unauthorized transactions using
your lost or stolen VISA card.
This additional limit on liability does not apply to ATM
transactions, or to transactions using your Personal Identification
Number which are not processed by VISA. (b) Contact in event of unauthorized
transfer.
If you believe your card and/or code has been lost or stolen,
call or write us at the telephone number or address listed in this
disclosure. You should
also call the number or write to the address listed in this disclosure
if you believe a transfer has been made using the information from
your check without your permission.
Error Resolution Notice In Case of Errors
or Questions About Your Electronic Transfers, Call or Write us at the
telephone number or address listed in this disclosure, as soon as you
can, if you think your statement or receipt is wrong or if you need
more information about a transfer listed on the statement or receipt.
We must hear from you no later than 60 days after we sent the
FIRST statement on which the problem or error appeared. (1) Tell us your
name and account number (if any). (2) Describe the
error or the transfer you are unsure about, and explain as clearly as
you can why you believe it is an error or why you need more
information. (3) Tell us the
dollar amount of the suspected error. If you tell us
orally, we may require that you send us your complaint or question in
writing within 10 business days. We will determine
whether an error occurred within 10 business days (5 business days if
the transfer involved a point-of-sale transaction and 20 business days
if the transfer involved a new account) after we hear form you and
will correct any error promptly.
If we need more time, however, we may take up to 45 days (90
days if the transfer involved a new account, a point-of-sale
transaction, or a foreign-initiated transfer) to investigate your
complaint or question. If
we decide to do this, we will credit your account within 10 business
days (5 business days if the transfer involved a point-of-sale
transaction and 20 business days if the transfer involved a new
account) for the amount you think is in error, so that you will have
the use of the money during the time it takes us to complete our
investigation. If we ask
you to put your complaint or question in writing and we do not receive
it within 10 business days, we may not credit your account.
Your account is considered a new account for the first 30 days
after the first deposit is made, unless each of you already has an
established account with us before the account is opened. We will tell you
the results within three business days after completing our
investigation. If we
decide that there was no error, we will send you a written
explanation. You may ask for
copies of the documents that we used in our investigation. If you have
inquiries regarding your account, please contact 1st Bank at your
branch in:
PO Box 347
Broadus, MT 59317
Phone (406)436-2611
BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, and Friday
Holidays are not included.
Hours 8:00 a.m. to 5:00 p.m. MST
Other Terms ONLINE BANKING
FEES: Online Banking
Service is free. ADDITIONAL CHARGE
FOR CUSTOMER REQUESTED BILL PAYMENT SERVICES: These charges will
only be assessed if you request one or more of the services listed
here. Written
Correspondence to Merchant…...$10.00 Per proof of
Payment not Necessitated by a dispute…..$10.00 Per payment
cancelled after cut-off time and prior to disbursement…..$7.50 Payments returned
due to a customer error…..$5.00 ACH return fee…..
$10.00 Letter mailed
Express Mail…..$15.00 1st
Bank reserve the right to charge you for research time involving bill
payments no longer available in your screen history.
You will be informed of any such charges before they are
incurred. Bill Payment
service fees will be deducted monthly from the Account that you
designate as your bill Payment Account. You should note
that depending on how you access the Internet Banking Service, you may
incur other charges. These
include charges for normal checking account fees and service charges.
For savings and money market deposit accounts, an excess
transaction fee may apply to each transaction made through Internet
Banking or Bill Payment that exceeds the number of limited
transactions you may make each statement period.
These fees are described in your Account Agreement and related
documents. All deposits
made to the account, including any federal benefits deposited
electronically, are subject to repayment of overdrafts.
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